Judy and Gary have helped me and my family with tax planning/filing for many years.  They have always provided the best advice and professional service.  Recently they assisted me in managing the risk in my TSP retirement portfolio with the United States Postal Service.  They offered me a product that provided the safety of the G fund with the growth potential of the other higher risk funds without the risk.  I now have growth potential, guaranteed income for life and total downside risk protection.  I now have a plan to enjoy a worry free retirement.  I have referred my family, co-workers and friends and will continue to do so because Judy and Gary offer professional, knowledgeable services that make your life better.
> Lee Snyder, United States Postal Worker, Lancaster, PA


We had a wonderful arrangement in our marriage. My husband was an engineer and I was a business graduate. His attitude was he made the money and I spent it. This was fine until I needed to find a place to invest money other than the stock market. Gary opened up a whole new world to us and he and Judy have guided our investments for many years. My husband died five years ago and I turned to them to assist me in taking care of all the changes necessary. Even today I am quick to call them for advice and they always respond. We have a friendship that goes beyond taxes and annuities.
> Dorothy Stevenson, Lancaster, PA


We were first referred to Gary Spirk about 10 years ago by someone who was very happy with the work he did in regards to his annual tax filing. The man did us a great favor, because my husband and I are self-employed, plus we have quite a few rental properties, and also other small ventures, that make tax time a complicated ordeal. Gary is professional, friendly, accessible, and knowledgeable. This year we received a notice from the IRS, claiming we owed them almost $18,000 in "under-filed" taxes! I called Gary immediately, and within a short time he determined it was the IRS's error, WROTE the letter to the IRS for us, and forwarded all the information to us by e-mail. All we did was sign/mail the letter he wrote for us, He made it simple, so even I understood it!

Two years ago he and Judy also helped us restructure, simplify, and centralize our finances and place us and our retirement options in a much simpler, safer, and profitable format.  My husband and I are at, and approaching full retirement. We plan on asking for Gary and Judy's advice many times as we gradually transition our properties, and other assets into full "retirement" mode. Gary and Judy have earned our full trust through their proven and updated knowledge of the financial market and ever-changing tax codes, and their knowing the optimal applications per client is crucial to folks like us.
> Robert and Alta Landis, New Providence, PA


"Gary and Judy have been working on my tax returns and financial services needs for over 30 years. They always provide professional and prompt service and know all the answers and solutions for me to make the best financial decisions. I have referred my family and friends to them for the same great reasons I have worked with them for all these years. If you want honest and caring financial advice, you could not find a better financial practice to provide you the highest level of professionalism."
> Scott and Lois Doutrich,  York, PA


Medicare is a multi-part system with complexities, which are compounded by the variety of programs and products provided, unsolicited, to anyone turning 65.  Consultation with Judy Spirk provided me knowledgeable and especially understandable information about the many parts of the Medicare system and what choice or choices are best suited for me.  She brings understanding of how emotionally stressful and informationally overwhelming this decision process can be.  In the end, she helped me find a plan which made good sense for me - and she handled the "paper work".  As a physician, I am familiar with Medicare as a provider of services.  It is a different experience to be the insured prospective patient.  I found Judy Spirk to be a well informed professional with an easy going personal touch, and I highly recommend her as a consultant and insurance broker for anyone trying to understand and make their choices about Medicare.
> Herbert Cooper MD, Lancaster, PA


Having known Gary Spirk since 1973 when I started a Bridal Shop, he has been our constant tax consultant and preparer even up to this day. Any questions, Gary was always ready with a solution or answer. Over the years we have had a couple of other businesses and could count on Gary and his wife for expert advice and direction. They are honest, hard working people whose best interest is helping you with your tax problems, your investments and your insurance questions. Be sure to check with Gary and Judy Spirk for all your personal and business needs.
> Owen and Darlene Prowell, York, PA


Gary and Judy have been our tax and financial advisor for many years. The way they handle our personal financial items we also consider them our friends. We can call anytime with questions and they seem to always have the right answer. They also keep us informed through-out the year with tax changes and changes to investments that can help us make the right decisions on handling them. We highly recommend them for your tax and financial services.
> Verle and Janell Nolt, Conestoga, PA


Thank you, Gary & Judy for all your professional assistance with my Income Tax preparation & Tax planning, Medicare planning and all my financial service needs over the past 35 years.  After being on a Medicare Supplement from AARP for many years, I am so happy with my $0 premium Medicare Advantage Plan.  I have saved so much money with that plan and haven’t overpaid for medical services that I did not use.  If you are looking for someone to help you with your Tax, Financial and Medicare planning, I would highly recommend Gary & Judy to everyone I know.
> Gloria Hoelzel, Lancaster, PA


Both of us, Paul and Carolyn Burns, wish to thank and congratulate the Spirks for all the federal and state tax forms they have prepared for us over the last four to five years, which have been very rewarding. In addition, Gary and Judy have provided us with valuable financial and insurance help and forms during this same time. Thank you both for your friendship and the financial help you have given us.
> Carolyn and Paul Burns, Lancaster, PA


Gary and Judy Spirk have been both good friends and trusted advisors in our business and personal investments over the past 20 years. With their vast knowledge they have help guide two new novice business entrepreneurs through two recessions and their advice helped us to plan for our retirement future.  These fine people will always return your calls and address any of your questions or concerns no matter how trivial they seem to be. As a client for past 20 years, we feel they are a good team to have in your corner and if you are looking for honest guidance for your business or personal endeavors.
> Bim and Flavia Miller,  Dallastown, PA.


Gary and Judy Spirk have been invaluable to us for knowledge and advice when helping us with tax and financial services. We have benefited from their expertise, having invested with their products as well as having numerous years of tax preparation and filing processed by Gary. We appreciate their thoroughness and team approach. That is why we have referred family, friends, and co-workers in the past and will continue to do so in the future.
> Jean and Dave Texter, Washington Boro, PA


Having moved here from another state we needed someone to do our taxes and having had a terrible experience the first year or two, we found Gary's ad in the paper and called him.  He was able to get us quite a bit back and had no problem handling our "in home office" taxes thereafter. 

I know he saved us a lot of money and even pushed us to start a 401k plan., that was something we'd planned to do but just never got around to doing, it was also something that we should have started at much younger ages than we were, but thankfully we listened to him and it paid off, luckily for me. 

My husband died in 2004, I knew no one and had no clue how to get either insurance money or the 401k or what to do with it when I did get it, but Gary knew.  He then introduced me to Judy and to me I have the best team anywhere, wouldn't change a thing about how they handle their business.  I never think twice about taxes anymore, I know it's in Gary's hands and Judy was able to find several very good instruments for me to put my money in so now I don't even have to worry about the future for neither myself or my daughter. 

I went from worrying about taxes and when would my money run out to being about as carefree as a person can be, how fortunate was it that I was able to find two such caring people who truly can be called friends, their kindness goes way beyond helping folks plan for the future as well as taking care of the present.
> Bobbie Vinci, Ephrata, PA

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